CU and NCLC’s Supplemental Principles for Payroll Cards

Consumers Union and the National Consumer Law Center worked with the American Payroll Association and Electronic Payment Coalition to develop ten jointly agreed upon core principles for payroll cards. Those joint principles represent serious progress toward ensuring employees receive important consumer protections when they are paid using a payroll card. However, the groups did not reach agreement on certain other essential issues for consumers, such as the issue of employee consent before enrollment in a payroll card program and the number of no-fee ATM withdrawals which should be made available to an employee for each per deposit. CU and NCLC offer the following additional principles, to be used in conjunction with the joint principles.